1.   One possible answer is that the Fed is wrong, that depository institutions do borrow for profit as well as need.

2.   The difference between depository institutions and other firms is deposit insurance that underwrites risk taking.

3.   The discount rate is the rate charged depository institutions when they borrow short-term adjustment credit from their district Federal Reserve Banks.

4.   The FFIEC is the umbrella group for government regulators of banks, thrifts, and other depository institutions.

5.   Washington called it the largest CRA pledge ever by a depository institution.

6.   The discount rate is that charged depository institutions when they borrow from their district Federal Reserve banks.

7.   The discount rate is the interest rate that is charged depository institutions when they borrow from their district Federal Reserve Banks.